Upper Darby Belltelco Federal Credit Union Mortgage Rates, Fees & Info

UPPER DARBY, PA

LEI: 25490040IBIKTOL1DJ85

Tax ID: 23-1582345

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Upper Darby Belltelco Federal Credit Union is a smaller credit union specializing in Other loans. Upper Darby Belltelco Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Philadelphia, Atlantic City, and Allentown among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Upper Darby Belltelco Federal Credit Union has an above average approval rate when compared to the average across all lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    60

    Origination Dollar Volume (All Markets)

    $4,550,000

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 58 $4,260,000 $73,448 $0 0.00%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $65,000 $65,000 $0 0.00%
    Upper Darby Belltelco Federal Credit Union's top markets include Philadelphia, Atlantic City, and Allentown among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 60 $4,550,000 $75,833 $0 0.00%

    For 2023, Upper Darby Belltelco Federal Credit Union's most frequently originated type of loan was Conventional, with 60 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 40 $2,370,000 $59,250 $0 0.00%
    Home Improvement 13 $305,000 $23,462 $0 0.00%
    Home Purchase 3 $775,000 $258,333 $0 0.00%
    Refi 2 $260,000 $130,000 $0 0.00%
    Cash Out Refi 2 $840,000 $420,000 $0 0.00%

    For 2023, Upper Darby Belltelco Federal Credit Union's most frequently cited loan purpose was Other, with 40 originations. The 2nd most popular reason was Home Improvement, with 13 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 60 $4,550,000 $75,833 $0 0.00%

    For 2023, Upper Darby Belltelco Federal Credit Union's most frequently cited loan duration was Other, with 60 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 47 $1,675,000 $35,638 $0 0.00%
    $100k-200k 6 $830,000 $138,333 $0 0.00%
    $200k-400k 6 $1,540,000 $256,667 $0 0.00%
    $400k-600k 1 $505,000 $505,000 $0 0.00%

    2023 saw Upper Darby Belltelco Federal Credit Union place emphasis on $100,000 or less loans with 47 originations, totaling $1,675,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 16 $1,300,000 $81,250 $0 0.00%
    $50k or less 12 $400,000 $33,333 $0 0.00%
    $150k-250k 11 $1,185,000 $107,727 $0 0.00%
    $50k-75k 11 $365,000 $33,182 $0 0.00%
    $75k-100k 9 $795,000 $88,333 $0 0.00%
    $250k+ 1 $505,000 $505,000 $0 0.00%

    Upper Darby Belltelco Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 16 originations. The second most popular income band? $50k or less, with 12 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 60 $4,550,000 $75,833 $0 0.00%

    Upper Darby Belltelco Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 60 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 32 $3,100,000 $96,875 $0 0.00%
    Black 26 $1,210,000 $46,538 $0 0.00%
    Asian 2 $240,000 $120,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    Upper Darby Belltelco Federal Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 60 $4,550,000 $75,833

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    60 $4,550,000 $75,833